Independent agency in Peoria, Arizona. Strategic Insurance Agency Alliance member.
Independent agency in Peoria, Arizona. Strategic Insurance Agency Alliance member.
Whether you ride through the scenic desert highways or around town in Peoria, motorcycle insurance is essential for your protection. We provide policies that cover all types of bikes, including cruisers, sport bikes, touring motorcycles, scooters, and custom builds.
5.0 on Google and Facebook
A growing list of carriers
SIAA member agency
A local agent who picks up
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A motorcycle is not covered by your car insurance. It needs its own policy, with its own liability limits, and Arizona requires liability on it the same way it does on a car.
The structure looks familiar: liability, collision, comprehensive, medical payments, uninsured motorist. What differs is where the money actually goes. On a bike, the rider is far more exposed than the machine, which puts more weight on medical payments and uninsured motorist than most people expect.
The second difference is parts. A stock bike out of a showroom and the same bike after two years of exhaust, bars, seat, paint and luggage are not the same insured value, and a standard policy will not automatically make up the difference.
Our goal is to help you ride confidently knowing you, your bike, and your finances are protected.
At a glance
Motorcycle insurance in Arizona
Required by law
Liability, at the same 25,000 / 50,000 / 15,000 minimums as a car.
Bikes we write
Cruisers, sport bikes, touring motorcycles, scooters, custom builds.
The coverage riders forget
Bike and equipment coverage for custom parts and upgrades.
Worth asking about
Uninsured motorist and medical payments, which carry more weight on two wheels.
Seasonal storage
Ask before you cancel coverage for the summer. Theft does not take a season off.
The part that gets underinsured
Carriers rate your bike off a book value for the stock machine. Everything you added after that sits outside the base value unless it is specifically scheduled, and most policies include only a small default allowance for accessories.
Riders routinely have thousands of dollars of parts on a bike and a few hundred dollars of accessory coverage behind them. The fix takes one conversation and a list: exhaust, bars and controls, seat, paint or wrap, luggage and racks, audio, lighting, engine work.
The other detail worth naming is gear. Helmet, jacket, boots and gloves add up quickly and are treated differently between carriers. Ask specifically rather than assume.
Four coverages, one machine. Bike and equipment coverage is the one that reaches the parts a book value does not know about.
The four parts
Straight from the policy. The second row is the one that separates a real motorcycle quote from a copied car quote.
602-480-6453Motorcycle
Declarations
Liability Protection
Meets state legal requirements and shields you from the financial impact of lawsuits after at-fault accidents.
Bike and Equipment Coverage
Protects against damage to your motorcycle and custom parts or upgrades.
Exhaust, bars, seat, paint, luggage and audio all sit here rather than in the base value.
Medical Payments
Helps with hospital bills and injury costs for you and your passenger, without waiting on a fault determination.
Comprehensive Coverage
Covers non-collision risks like theft or weather damage, including while the bike is parked in the garage or at work.
Illustration of how a declarations page is laid out. Not a real policy.
Both are legal. They protect very different things.
Liability only
Satisfies Arizona's requirement and nothing beyond it.
Pays other people. Pays nothing towards your bike, your parts or your injuries.
A theft or a single-vehicle drop is entirely out of pocket.
Usually the cheapest line on a comparison site, which is why it wins them.
Liability, collision, comprehensive and equipment
Repairs or replaces the bike after a collision, regardless of fault.
Covers theft, fire and weather while it is parked.
Schedules the custom parts so the payout matches the machine you actually own.
Medical payments and uninsured motorist for the rider, which is where the real exposure is.
In their words
5.0 stars across Google and Facebook
“
Great experience with this insurance agent! He helped me find a good price for my car insurance and made the whole process easy and stress-free. Very helpful, honest, and professional. Highly recommend!
RY
Ramez Y.
I had a great experience with Shield of Faith Insurance! Mena took the time to understand our family's needs and explained each part of the coverage clearly. He helped us set up a home insurance policy with stronger protection and bundled it with our auto insurance for a package at a lower cost. What stood out most was his honesty and patience, he focused only on what truly benefited us, making the whole process simple and stress-free. We now have better coverage and peace of mind thanks to Mena. Highly recommend!
Hanna K. · Google and Facebook
Shield of Faith Insurance made getting renters insurance simple and affordable, after talking to a few other brokers, they were the ones who helped me get the best coverage with no stress!
Ahmad F. · Google and Facebook
Every review above is quoted in full from Google or Facebook. Read all of them.
Is motorcycle insurance required in Arizona?
Yes. A registered motorcycle needs liability coverage meeting the same minimum limits as a car: 25,000 dollars for injury to one person, 50,000 dollars per accident, and 15,000 dollars for property damage.
Does my car insurance cover my motorcycle?
No. A motorcycle needs its own policy. You can hold both with the same carrier and the same agent, which usually earns a multi-policy discount, but the bike is separately rated and separately insured.
Are my custom parts covered?
Only up to whatever accessory allowance the policy includes, which is often modest. Exhaust, bars, seat, paint, luggage and audio should be listed and scheduled so the payout reflects the bike you actually own rather than the stock book value.
Should I cancel my motorcycle insurance over the summer?
Talk to us before you do. Canceling creates a lapse in coverage that can raise your rate later, and comprehensive coverage still matters for a bike sitting in a garage: theft, fire and monsoon damage do not pause for the season. There are usually better options than canceling.
Do you insure sport bikes and custom builds?
Yes. We provide policies that cover all types of bikes, including cruisers, sport bikes, touring motorcycles, scooters and custom builds. Carrier appetite varies a lot by bike type and rider age, which is exactly why comparing more than one company is useful.
Free and no obligation
At Shield of Faith Insurance, we make it easy to compare options and find affordable coverage. Whether you need auto insurance, homeowners insurance, life insurance, or specialty coverage in Peoria, AZ, we're here to help.
Contact our Peoria office today to request your free, no-obligation insurance quote and discover how we can help you protect what matters most.
Call or text anytime during the business week. Evenings and Saturdays by appointment.
What happens next
1
A real person from our office calls you back with real numbers.2
No robo-dialers and no spam calls.3
You pick the coverage, we handle the paperwork.Service area
We write motorcycle insurance in Peoria, AZ and across the West Valley, for riders on cruisers, sport bikes, touring bikes, scooters and custom builds. If you are shopping for cheap motorcycle insurance in Arizona, compare the equipment coverage as carefully as the price: the premium difference between two quotes is usually smaller than the gap in what they would pay for your parts.
The 60 second version
Tell us what you own and how to reach you. We will do the comparing.
No robo-dialers and no spam calls. A local agent follows up personally. Sending this does not bind coverage.
Send us the list. Getting the equipment coverage right takes one call and it is the difference that shows up at claim time.
